Home Loans Kentucky

Need Kentucky home loans? We can help, call us today at 502-405-8834

 

Home Loans Louisville KYHome loans are in all likelihood the biggest purchases most of us residents of Kentucky and Indiana will make in our lives. When we take the plunge it’s only natural to have a lot of questions about the process.

Where do we go and who do we see about home loans? How does the process work? Can I get pre-approved for a home loan? All of these are legitimate questions and we will do our best to provide guidance through out the process.

We encourage or visitors to use our links to the right in our navigate our site section to find the information they may need. Information is power and we want you to have as much as possible so that you make the right decisions. Buying a house is no small thing, and we want your experience to be as successful as possible. For non conforming jumbo loans please visit our jumbo loans page.

 

How does the home loan process work?

 

First and foremost it starts with finding a mortgage broker to work with that you trust. That’s where we come in. Ours is a smaller brokerage that only focus’s on Kentucky and Indiana mortgages. Also we provide a very personalized service. We prefer to get to know our clients a little bit before we engage in helping them with what in all likelihood will be purchasing a home that they not only love, but is affordable to them now and into the future.

After meeting and getting some information from you, we’ll put together real world numbers concerning payments, the length of your mortgage loan and interest rates. We’ll help you to best determine which type of mortgage loan will be right for you. There are a lot of options, and a good broker will explore them all for each potential customer. What works best for one type of customer may not work as well or be as affordable for the next.

Along the way will provide answers to your questions about the process and how the actual number associate with your home loan are compiled. It’s only natural for any client to have a lot of concerns and we pride ourselves on being able to provide any answers or information you may need in a timely manner.

 

Information needed to apply for a home loan?

We’ve compiled a short list of the basic items you will need to start the process rolling. If more information is needed that’s not a problem, it can always be supplied later.

  • Recent pay stubs (two most recent consecutive)
  • W-2s (for the last 2 years)
  • Bank statements for the last 60 days
  • Signed personal and business tax returns (all pages and relevant schedules)
  • If self-employed, a copy of most recent profit/loss statement
  • Most recent monthly statement for any mortgages, home equity loans or lines of credit you hold on your home.

And of course you can always call us with any questions you may have. Information is free and we’re here to help.

 

Need Kentucky home loans? We can help, call us today at 502-405-8834